Best Credit Card Welcome Offers Promotion in Hong Kong
Find the best deals from credit cards with amazing welcome gifts in Hong Kong. Enjoy all kinds of credit card offers, from travel, dining to shopping!
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We found 67 credit cards for you!
【🚨October Upgraded Rewards: HK$400 Cash on Approval + Enjoy Up to HK$4,088 rewards + HK$18,000 Apple Store Gift Card!】
From now to 31 October 2026, new customers who successfully open a Mox Bank Account and get approved for a Mox Credit Card using any one of the designated MoneySmart invitation codes: "MOXFLASHMS2"/ "MOXFLASHMS3"/ "MOXPHONEMS", can enjoy:
1️⃣ [⚡️MoneySmart Exclusive Bonus!] An extra HK$400 Cash (deposited directly into your FPS account) or HK$400 Apple Store Gift Card, fulfilled by MoneySmart;
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2️⃣ Spend the designated amount within 30 days of card approval to unlock your reward!
💰 "MOXFLASHMS2" - Spend HK$2,000 within 30 days of approval: HK$1,000 Cash Rebate (fulfilled by Mox) + 🆕 HK$300 Cash (deposited directly into your FPS account) or HK$300 Apple Store Gift Card (fulfilled by MoneySmart)
🍎 "MOXFLASHMS3" - Spend HK$2,000 within 30 days of approval: HK$1,300 HK$1,000Apple Store Gift Card / 2 x Hong Kong Plaza "Premium First with Infinity" Lounge 3-hr Access Pass (Total value: HK$2,300) / Apple AirPods 5 (Value: HK$1,099)
📱 "MOXPHONEMS" - Spend HK$9,000 within 30 days of approval: HK$2,100 HK$1,800Apple Store Gift Card / PHILIPS RO Water Dispenser ADD6910/90 (Valued: $3,388, random colour) / LOJEL Cubo 26-inch Front-Opening Expandable Suitcase (Rose) (Value: HK$3,300); ⭐ First 200 customers who successfully activate their cards will also have a chance to earn 🔥 HK$18,000 Apple Store Gift Card^!
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3️⃣ Deposit HK$50,000 within 7 days of account opening and maintain it for 30 days to enjoy an additional HK$500 Cash Rebate
*Subject to the Terms and Conditions of the
"MOXFLASHMS2"/ "MOXFLASHMS3" / "MOXPHONEMS"
invitation code promotion. ^1 quota, random redemption code will be distributed by Mox.
⠀⠀
Valid till 31 Oct 2026
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【Get Rewards Worth Up to HK$650 Upon Card Approval + Up to $1,450 RewardCash Bank Welcome Offer + Up to 8% Rebate on Apple Spending 🚀】
From now until 31 October 2026, new and existing credit card customers who successfully apply for a designated HSBC Credit Card via MoneySmart and submit the Reward Redemption Form on or before 10 November 2026, can enjoy a MoneySmart-exclusive Trip.com 8% off hotel promo code + HK$100 flight promo code, with no spending required, plus 🎁 one of the following 3 exclusive rewards:
・3-Hour Plaza Premium Lounge Pass in Asia Pacific (Value: HK$650)
・Branden Korea Safe Plus Anti-Theft Wallet (Value: HK$305, random colour)
・Kodak Charmera Keychain Digital Camera Blind Box – Millennium Special Edition (Value: HK$268, random colour)
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🌟 Upon successful card approval and fulfilment of the designated requirements, enjoy a bank welcome offer of up to $1,450 RewardCash (equivalent to 29,000 miles)!
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【🍎Apple Exclusive】 From 10 September to 30 November 2026, spend with an HSBC Credit Card via Apple Pay at Apple Store retail stores, the Apple Store Online or Apple Store App to earn an extra 8% RewardCash rebate (up to $600 RewardCash)!
Terms and conditions apply.
Valid till 31 Oct 2026
⚡【7-Day Citi Flash Offer! ✨ Upgraded Gifts or Up to HK$2,400 Cash Voucher! Rewards Worth Up to HK$6,488 +Trip.com Promo Codes! 🎉】
From now until 31 October 2026, new customers who successfully apply for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 within 30 days after card issuance (approval by 30 November 2026) can receive one of the following rewards:
🎁 4 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$4,600) or
🎁 PHILIPS RO Water Dispenser ADD6920/90 (Value: HK$4,288, random color) or
🎁 Dyson Supersonic Nural™ Hair Dryer HD16 (Value: HK$3,990, random color) or
🎁 Medicube Age-R Booster Pro X2 9 in 1 Facial Beauty Device (Value: HK$3,000, random color) or
💳 HK$2,200 Apple Store Gift Card / HK$2,400 ParknShop e-Vouchers or⠀⠀
Plus, choose from 4 upgraded rewards available for redemption at a special price with a designated Citibank credit card:
🎁 Cambridge Audio Ultra Compact Active Stereo Speakers (Value: HK$3,980), redeem at a discounted price of HK$800 or
🎁 Dyson Airwrap Co-anda2x™ multi-styler and dryer HS09 (Value: HK$5,698), redeem at a discounted price of HK$1,300 or
🎁 PHILIPS ADD6922CG Hot and Cold RO Water Dispenser with Auto Ice-Maker (Value: HK$6,488) — redeem at a discounted price of HK$2,000 or
🎁 Insta360 X6 (Essential Bundle) (Value: $5,699), redeem at a discounted price of HK$3,000⠀⠀
＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
🔐【 New! Enhanced Online Payment Security 】Citi Virtual Credit Card with dynamic security code (CVC) that automatically refreshes instantly generates a new security code for each transaction, while supporting seamless recurring payments and automatic card detail updates upon renewal or replacing a lost card.
Valid till 31 Oct 2026
【🌟No Spending Required upon Approval: MoneySmart Gift + Up to 120,000 Asia Miles / Southeast Asia Business Class round-trip ticket!】
From now until 31 October 2026, new Standard Chartered credit card customers who successfully apply for a Standard Chartered Cathay Mastercard® via MoneySmart can enjoy the following rewards upon card approval, subject to eligibility:
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1️⃣ MoneySmart Exclusive Gift — No Spending Required
Upon card approval, customers can choose ONE of the following gifts with no spending required:
・New Smile LED 5th Gen Nano Teeth Whitening Set + 3 Whitening Pens (Value: HK$3,980, random color) or
・2 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Value: HK$2,300) or
・AirPods 5 (Value: HK$1,099) or
・HK$900 Apple Store Gift Card / HKTVmall e-Vouchers / ParknShop e-Vouchers
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2️⃣ Standard Chartered Cathay Mastercard – Reward of your choice of up to 120,000 Asia Miles or FanFest Offer with up to HK$10,000 Cathay Gift Card
・Choose Asia Miles Welcome Offer: New cardholders who fulfill the designated spending requirement within the first two months after card issuance can earn up to 120,000 Asia Miles.
・Choose FanFest Offer: New cardholders who fulfill the designated spending requirement within the first two months after card issuance can receive up to HK$10,000 in Cathay Gift Cards, which can be used to offset the fare of Cathay Pacific-operated flights.
Valid till 31 Oct 2026
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【⚡Limited-Time Welcome Offer Boost: Earn Up to $850 RewardCash + Enjoy Up to 12% Rebate on Apple Spending 🚀】
From now until 30 November 2026, new credit card customers who successfully apply for the HSBC Red Credit Card via MoneySmart using promo code “HSBCRED” during the Promotion Period and accumulate eligible spending of HK$12,000 within the first 60 calendar days after card issuance can enjoy a total of up to $650 RewardCash. Successfully apply for the “Cash Instalment Plan” to earn an additional $200 RewardCash!
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【🍎Apple Exclusive】Earn Up to an Extra $1,150 RewardCash!
From 10 September to 30 November 2026, spend with your HSBC Red Credit Card via Apple Pay at Apple Store retail stores, the Apple Store Online or Apple Store App to enjoy:
・Cumulative eligible spending of HK$5,000 or above: Enjoy an extra 6% RewardCash rebate (up to $350 RewardCash during the entire Promotion Period); and
・Successfully apply for the “Spending Instalment Plan”: Enjoy an extra 2% RewardCash rebate (up to $400 RewardCash); and
・Spend at the Apple Store Online or via the Apple Store App: Earn 4% RewardCash on online spending! Terms and conditions apply.
Valid till 30 Nov 2026
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⏰ Limited-Time Welcome Upgrade: New American Express Platinum Card Members Enjoy Up to HK$5,250 in Statement Credit!
From 21 October 2026 to 1 November 2026, new Card Members^ who successfully apply for the American Express Platinum Card via MoneySmart and accumulate eligible spending of HK$60,000 within the first 6 months of card approval (local or foreign currency spending both count) will receive [🚀 New Upgrade] HK$3,000 HK$2,200 Statement Credit! Top up Octopus with a single net transaction of HK$600 or above within the first 3 months to receive an additional HK$50 Statement Credit.
💡That said, complete both requirements above, and you can earn HK$3,050 in Statement Credit upfront!
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In addition, Card Members who complete any eligible spending of any amount during months 15 to 17 will receive an extra 660,000 American Express Membership Rewards points, equivalent to HK$2,200 Statement Credit or 36,666 miles.
Subject to Terms and Conditions.
Valid till 01 Nov 2026
⚡【7-Day Citi Flash Offer! ✨ Upgraded Gifts or Up to HK$2,400 Cash Voucher! Rewards Worth Up to HK$6,488 +Trip.com Promo Codes! 🎉】
From now until 31 October 2026, new customers who successfully apply for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 within 30 days after card issuance (approval by 30 November 2026) can receive one of the following rewards:
🎁 4 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$4,600) or
🎁 PHILIPS RO Water Dispenser ADD6920/90 (Value: HK$4,288, random color) or
🎁 Dyson Supersonic Nural™ Hair Dryer HD16 (Value: HK$3,990, random color) or
🎁 Medicube Age-R Booster Pro X2 9 in 1 Facial Beauty Device (Value: HK$3,000, random color) or
💳 HK$2,200 Apple Store Gift Card / HK$2,400 ParknShop e-Vouchers or⠀⠀
Plus, choose from 4 upgraded rewards available for redemption at a special price with a designated Citibank credit card:
🎁 Cambridge Audio Ultra Compact Active Stereo Speakers (Value: HK$3,980), redeem at a discounted price of HK$800 or
🎁 Dyson Airwrap Co-anda2x™ multi-styler and dryer HS09 (Value: HK$5,698), redeem at a discounted price of HK$1,300 or
🎁 PHILIPS ADD6922CG Hot and Cold RO Water Dispenser with Auto Ice-Maker (Value: HK$6,488) — redeem at a discounted price of HK$2,000 or
🎁 Insta360 X6 (Essential Bundle) (Value: $5,699), redeem at a discounted price of HK$3,000⠀⠀
＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
🔐【 New! Enhanced Online Payment Security 】Citi Virtual Credit Card with dynamic security code (CVC) that automatically refreshes instantly generates a new security code for each transaction, while supporting seamless recurring payments and automatic card detail updates upon renewal or replacing a lost card.
Valid till 31 Oct 2026
【Unlimited CashBack all year-round - Get welcome offer of up to HK$1,499 Rewards!🎁】
From now until 31 October 2026, new cardholders who successfully apply for Standard Chartered - Simply Cash Visa Card now via MoneySmart, will get one of the following gifts:
・[🔥Fresh Drop!] Dyson HushJet™ Mini Cool Fan (Value: HK$890, random color)
・SONY Linkbuds Clip WF-LC900 Truly Wireless Earbuds (Value: HK$1,499, random color)
・Acer Acerpure Chef Chef 2 in 1 Filp Air Fryer (KF754-7AB) (Value: HK$1,298, random color)
・HK$800 Apple Store Gift Card/ HKTVmall e-Vouchers/ ParknShop e-Vouchers
Valid till 31 Oct 2026
【Get Rewards Worth Up to HK$650 Upon Card Approval + Up to $1,000 RewardCash Bank Welcome Offer + Up to 8% Rebate on Apple Spending 🚀】
From now until 31 October 2026, new and existing credit card customers who successfully apply for a designated HSBC Credit Card via MoneySmart and submit the Reward Redemption Form on or before 10 November 2026 can enjoy a MoneySmart-exclusive Trip.com 8% off hotel promo code + HK$100 flight promo code, with no spending required, plus 🎁 one of the following 3 exclusive rewards:
・3-Hour Plaza Premium Lounge Pass in Asia Pacific (Value: HK$650)
・Branden Korea Safe Plus Anti-Theft Wallet (Value: HK$305, random colour)
・Kodak Charmera Keychain Digital Camera Blind Box – Millennium Special Edition (Value: HK$268, random colour)
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🌟 Upon successful card approval and fulfilment of the designated requirements, enjoy a bank welcome offer of up to $1,000 RewardCash!
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【🍎Apple Exclusive】 From 10 September to 30 November 2026, spend with an HSBC Credit Card via Apple Pay at Apple Store retail stores, the Apple Store Online or Apple Store App to earn an extra 8% RewardCash rebate (up to $750 RewardCash)! Terms and conditions apply.
Valid till 31 Oct 2026
【✈️ Fly for Less: Earn Up to 26,000 Miles + HK$550 Rebate!】
From now until 31 October 2026, new customers who successfully apply for the American Express Explorer Credit Card via MoneySmart and fulfil the spending requirement within the first 3 months can earn up to 26,000 miles—enough to redeem a round-trip flight to Japan ✈️ Plus an additional HK$500 statement credit upon completing their first transaction within 3 months after card issuance and HK$50 statement credit for a single HK$600 Octopus top-up.
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🌟 Spend HK$8,000 to earn 8,000 miles — that’s just HK$1 per mile!
Spend a total of HK$30,000 to earn 468,000 Membership Rewards points, equivalent to 26,000 miles.
Terms and conditions apply.
Promotion valid until 31 October 2026
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Refer a friend and get a rewarded — For every successful referral of a New Cardmember, to earn 108,000 Membership Rewards points as referral bonus equivalent to 6,000 miles.
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🤩 Ready to Fly Further for Less? Supercharged earning rates:
Year-Round Exclusive Offer with no minimum spending requirement! Earn HK$3=1 mile on eligible HKD transactions! Plus, enroll to earn as low as HK$1.68 = 1 mile of overseas spend!
Valid till 31 Oct 2026
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【Get Rewards Worth Up to HK$650 Upon Card Approval + Up to $900 RewardCash Bank Welcome Offer + Up to 8% Rebate on Apple Spending 🚀】
From now until 31 October 2026, new and existing credit card customers who successfully apply for a designated HSBC Credit Card via MoneySmart and submit the Reward Redemption Form on or before 10 November 2026 can enjoy a MoneySmart-exclusive Trip.com 8% off hotel promo code + HK$100 flight promo code, with no spending required, plus 🎁 one of the following 3 exclusive rewards:
・3-Hour Plaza Premium Lounge Pass in Asia Pacific (Value: HK$650)
・Branden Korea Safe Plus Anti-Theft Wallet (Value: HK$305, random colour)
・Kodak Charmera Keychain Digital Camera Blind Box – Millennium Special Edition (Value: HK$268, random colour)
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🌟 Upon successful card approval and fulfilment of the designated requirements, enjoy a bank welcome offer of up to $900 RewardCash!
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【🍎Apple Exclusive】 From 10 September to 30 November 2026, spend with an HSBC Credit Card via Apple Pay at Apple Store retail stores, the Apple Store Online or Apple Store App to earn an extra 8% RewardCash rebate (up to $750 RewardCash)!
Terms and conditions apply.
Valid till 31 Oct 2026
【🌟No Spending Required upon Approval: MoneySmart Gift + Up to 120,000 Asia Miles / Southeast Asia Business Class round-trip ticket!】
From now until 31 October 2026, new Standard Chartered credit card customers who successfully apply for a Standard Chartered Cathay Mastercard® via MoneySmart can enjoy the following rewards upon card approval, subject to eligibility:
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1️⃣ MoneySmart Exclusive Gift — No Spending Required
Upon card approval, customers can choose ONE of the following gifts with no spending required:
・New Smile LED 5th Gen Nano Teeth Whitening Set + 3 Whitening Pens (Value: HK$3,980, random color) or
・2 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Value: HK$2,300) or
・AirPods 5 (Value: HK$1,099) or
・HK$900 Apple Store Gift Card / HKTVmall e-Vouchers / ParknShop e-Vouchers
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2️⃣ Standard Chartered Cathay Mastercard – Reward of your choice of up to 120,000 Asia Miles or FanFest Offer with up to HK$10,000 Cathay Gift Card
・Choose Asia Miles Welcome Offer: New cardholders who fulfill the designated spending requirement within the first two months after card issuance can earn up to 120,000 Asia Miles.
・Choose FanFest Offer: New cardholders who fulfill the designated spending requirement within the first two months after card issuance can receive up to HK$10,000 in Cathay Gift Cards, which can be used to offset the fare of Cathay Pacific-operated flights.
Valid till 31 Oct 2026
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✨Exclusive Deal Alert【PrimeCredit x MoneySmart －Welcome Offer up to HK$800 cash rebate】✨
From now until 31 October 2026, new customers who applied for a designated credit card: WeWa Visa Signature Card / WeWa Visa Platinum Card/ WeWa UnionPay Diamond Card via MoneySmart, can enjoy one of the following exclusive rewards upon successful approval - no spending required:
・3,000 SmartPoints - without any spending and redeem HK$300 worth of vouchers or products in the Rewards Store (over 20+ brand vouchers including Wellcome/ HKTVmall/Apple /Samsung etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)!
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New customers of PrimeCredit Credit Card can also earn extra HK$300 cash rebate, plus select one of the following welcome offers:
．All year round 10% travel cash rebate (No spending requirement)
．Nothing Headphone (a) (Suggested price：HK$1,499)
．HK$1,000 cash rebate
・Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program
・Exclusive Welcome Offer for Tertiary Student: HK$200 Cash Rebate (Extra reward fulfilled by PrimeCredit)
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See more reward details below
Valid till 31 Oct 2026
🌟Exclusive Deal Alert【PrimeCredit x MoneySmart - Welcome Offer up to HK$1,540 cash rewards】
MS Exclusive: From now until 31 October 2026, new customers who successfully applied for EarnMORE UnionPay Diamond Card via MoneySmart, can earn 3,000 SmartPoints without any spending and redeem HK$300 worth of vouchers or products in the Rewards Store (over 20+ brand vouchers including Wellcome/ HKTVmall/ Apple/ Samsung etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)
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New PrimeCredit Credit Card Customers can also enjoy PrimeCredit Welcome Offer Extra HK$300 cash rebate AND one of the following Welcome offers:
・HK$1,240 cash rebate (included the extra up to 2% cash rebate)
・LG PuriCare™ AeroHit Air Purifier (Pet Version) (Suggested price: HK$3,090)
・Dreame F20 Robot Vacuum (Suggested price: HK$2,999)
・Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program
・Tertiary Student: HK$200 Cash Rebate (Extra reward fulfilled by PrimeCredit)
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See more reward details below
Valid till 31 Oct 2026
【🚨 9.28 - 12.31 : Earn Up to HK$1,280 RewardCash — Your #1 Card for Mainland China !🇨🇳】
From 28 September to 31 December 2026, New Credit Card Customers who successfully apply for the HSBC Pulse UnionPay Dual Currency Diamond Credit Card via MoneySmart with promo code "HSBCPULSE", and make a QR code payment of HK$50 / RMB50 or above, can earn $10 RewardCash (up to $280 in total). Together with the base welcome offer of up to $800 RewardCash, — totalling up to $1,280 RewardCash! New cardholders who successfully apply for the Cash Instalment Plan can also enjoy an extra $200 RewardCash.
1️⃣ ⚡️Limited-time welcome offer up to $1,280 RewardCash (base welcome offer up to $800 + QR payments up to $280 + Cash Instalment Plan extra $200)
2️⃣ Spend in Mainland China & Macau and earn up to 4.4% RewardCash rebate
3️⃣ Extra 3% RewardCash on eligible Mainland dining spend (register via HSBC Reward+ for a combined rebate of up to 7.4%)
4️⃣ Complimentary Lounge To-Go meal set at the Plaza Premium Lounge High Speed Rail Hong Kong West Kowloon Station during the promotion period
5️⃣ Instant discount of up to RMB500 at Qianhai Snow World (RMB150 off spend of RMB1,000+ / RMB500 off spend of RMB3,000+)
6️⃣ 🧋Enjoy Heytea and gaga drinks from half price
💡 Tip: Earn up to 4.4% RewardCash on QR and mobile payments in Mainland China and Macau. Apply now and unlock the limited-time offers!
Valid till 31 Dec 2026
【Get Rewards Worth Up to HK$650 Upon Card Approval + Up to $800 RewardCash Bank Welcome Offer + Up to 8% Rebate on Apple Spending 🚀】
From now until 31 October 2026, new and existing credit card customers who successfully apply for a designated HSBC Credit Card via MoneySmart and submit the Reward Redemption Form on or before 10 November 2026 can enjoy a MoneySmart-exclusive Trip.com 8% off hotel promo code + HK$100 flight promo code, with no spending required, plus 🎁 one of the following 3 exclusive rewards:
・3-Hour Plaza Premium Lounge Pass in Asia Pacific (Value: HK$650)
・Branden Korea Safe Plus Anti-Theft Wallet (Value: HK$305, random colour)
・Kodak Charmera Keychain Digital Camera Blind Box – Millennium Special Edition (Value: HK$268, random colour)
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🌟 Upon successful card approval and fulfilment of the designated requirements, enjoy a bank welcome offer of up to $800 RewardCash!
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【🍎Apple Exclusive】 From 10 September to 30 November 2026, spend with an HSBC Credit Card via Apple Pay at Apple Store retail stores, the Apple Store Online or Apple Store App to earn an extra 8% RewardCash rebate (up to $750 RewardCash)! Terms and conditions apply.
Valid till 31 Oct 2026
【Get Your Daily yuu Boost with enJoy】Apply and Get up to HK$2,600 rewards 🎁 or HK$900 vouchers!
From now until 31 October 2026, customers who successfully apply for Hang Seng enJoy Card via MoneySmart and accumulate HK$100 in eligible retail transactions within 30 days after card issuance , can 🌟choose 1 from the following gifts:
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🎁 New Customers can enjoy one of the rewards below:
・4 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$2,600) or
・Cambridge Audio Melomania A100 True Wireless Earphones with ANC (Value: HK$1,180, random color) or
・Acer Acerpure Chef 2 in 1 Filp Air Fryer (KF754-70B) (Value: HK$1,298, random color) or
・Dyson HushJet™ Mini Cool fan (Value: HK$890, random color) (Limited to 50 quotas) or
・HK$900 Apple Store Gift Card / Maxim's Gift e-Coupons
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✨ Existing Customers can also enjoy one of the rewards below:
・Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$650) or
・HK$400 Apple Store Gift Card / Maxim's Gift e-Coupons
Valid till 31 Oct 2026
【🚨October Upgraded Rewards: HK$400 Cash on Approval + Enjoy Up to HK$4,088 rewards + HK$18,000 Apple Store Gift Card!】
From now to 31 October 2026, new customers who successfully open a Mox Bank Account and get approved for a Mox Credit Card using any one of the designated MoneySmart invitation codes: "MOXFLASHMS2"/ "MOXFLASHMS3"/ "MOXPHONEMS", can enjoy:
1️⃣ [⚡️MoneySmart Exclusive Bonus!] An extra HK$400 Cash (deposited directly into your FPS account) or HK$400 Apple Store Gift Card, fulfilled by MoneySmart;
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2️⃣ Spend the designated amount within 30 days of card approval to unlock your reward!
💰 "MOXFLASHMS2" - Spend HK$2,000 within 30 days of approval: HK$1,000 Cash Rebate (fulfilled by Mox) + 🆕 HK$300 Cash (deposited directly into your FPS account) or HK$300 Apple Store Gift Card (fulfilled by MoneySmart)
🍎 "MOXFLASHMS3" - Spend HK$2,000 within 30 days of approval: HK$1,300 HK$1,000Apple Store Gift Card / 2 x Hong Kong Plaza "Premium First with Infinity" Lounge 3-hr Access Pass (Total value: HK$2,300) / Apple AirPods 5 (Value: HK$1,099)
📱 "MOXPHONEMS" - Spend HK$9,000 within 30 days of approval: HK$2,100 HK$1,800Apple Store Gift Card / PHILIPS RO Water Dispenser ADD6910/90 (Valued: $3,388, random colour) / LOJEL Cubo 26-inch Front-Opening Expandable Suitcase (Rose) (Value: HK$3,300); ⭐ First 200 customers who successfully activate their cards will also have a chance to earn 🔥 HK$18,000 Apple Store Gift Card^!
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3️⃣ Deposit HK$50,000 within 7 days of account opening and maintain it for 30 days to enjoy an additional HK$500 Cash Rebate
*Subject to the Terms and Conditions of the
"MOXFLASHMS2"/ "MOXFLASHMS3" / "MOXPHONEMS"
invitation code promotion. ^1 quota, random redemption code will be distributed by Mox.
⠀⠀
Valid till 31 Oct 2026
⚡【7-Day Citi Flash Offer! ✨ Upgraded Gifts or Up to HK$2,400 Cash Voucher! Rewards Worth Up to HK$6,488 +Trip.com Promo Codes! 🎉】
From now until 31 October 2026, new customers who successfully apply for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 within 30 days after card issuance (approval by 30 November 2026) can receive one of the following rewards:
🎁 4 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$4,600) or
🎁 PHILIPS RO Water Dispenser ADD6920/90 (Value: HK$4,288, random color) or
🎁 Dyson Supersonic Nural™ Hair Dryer HD16 (Value: HK$3,990, random color) or
🎁 Medicube Age-R Booster Pro X2 9 in 1 Facial Beauty Device (Value: HK$3,000, random color) or
💳 HK$2,200 Apple Store Gift Card / HK$2,400 ParknShop e-Vouchers or⠀⠀
Plus, choose from 4 upgraded rewards available for redemption at a special price with a designated Citibank credit card:
🎁 Cambridge Audio Ultra Compact Active Stereo Speakers (Value: HK$3,980), redeem at a discounted price of HK$800 or
🎁 Dyson Airwrap Co-anda2x™ multi-styler and dryer HS09 (Value: HK$5,698), redeem at a discounted price of HK$1,300 or
🎁 PHILIPS ADD6922CG Hot and Cold RO Water Dispenser with Auto Ice-Maker (Value: HK$6,488) — redeem at a discounted price of HK$2,000 or
🎁 Insta360 X6 (Essential Bundle) (Value: $5,699), redeem at a discounted price of HK$3,000⠀⠀
＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
🔐【 New! Enhanced Online Payment Security 】Citi Virtual Credit Card with dynamic security code (CVC) that automatically refreshes instantly generates a new security code for each transaction, while supporting seamless recurring payments and automatic card detail updates upon renewal or replacing a lost card.
Valid till 31 Oct 2026
【🌟No Spending Required upon Approval: MoneySmart Gift + Up to 120,000 Asia Miles / Southeast Asia Business Class round-trip ticket!】
From now until 31 October 2026, new Standard Chartered credit card customers who successfully apply for a Standard Chartered Cathay Mastercard® via MoneySmart can enjoy the following rewards upon card approval, subject to eligibility:
⠀⠀
1️⃣ MoneySmart Exclusive Gift — No Spending Required
Upon card approval, customers can choose ONE of the following gifts with no spending required:
・New Smile LED 5th Gen Nano Teeth Whitening Set + 3 Whitening Pens (Value: HK$3,980, random color) or
・2 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Value: HK$2,300) or
・AirPods 5 (Value: HK$1,099) or
・HK$900 Apple Store Gift Card / HKTVmall e-Vouchers / ParknShop e-Vouchers
⠀⠀
2️⃣ Standard Chartered Cathay Mastercard – Reward of your choice of up to 120,000 Asia Miles or FanFest Offer with up to HK$10,000 Cathay Gift Card
・Choose Asia Miles Welcome Offer: New cardholders who fulfill the designated spending requirement within the first two months after card issuance can earn up to 120,000 Asia Miles.
・Choose FanFest Offer: New cardholders who fulfill the designated spending requirement within the first two months after card issuance can receive up to HK$10,000 in Cathay Gift Cards, which can be used to offset the fare of Cathay Pacific-operated flights.
Valid till 31 Oct 2026
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Credit Card Welcome Offers in Hong Kong
Want to apply for a credit card and earn a welcome offer? There are plenty of credit cards in the market with generous sign-up rewards. Beyond that, many cards offer higher cashback rates on specific spending categories, so you can keep earning rebates even after the welcome period ends.
* Do note that each card's welcome offer has its own deadline and spending requirement.
| Credit Card | Welcome Offers | Annual Salary Requirement |
|---|---|---|
| Citi PremierMiles Card | Earn 240,000 Points (equivalent to 20,000 Miles) | HK$360,000 |
| Standard Chartered Smart Card | Up to HK$1,000 Cash Rebate | HK$96,000 |
| Mox Credit Card (CashBack) | Mox Credit card welcome offers typically combine high-value cash bonuses, rewards points, or merchant discounts with zero-interest installment plans when new users sign up using partner invitation codes and complete designated spending tasks. | N/A |
| Standard Chartered Cathay Mastercard | Up to 40,000 miles welcome offer Asia Miles | HK$96,000 |
| DBS Black World Mastercard | Up to 32,000 miles | HK$240,000 |
| Hang Seng MMPOWER Card | Up to $700 +FUN Dollars | HK$150,000 |
| Citi Cash Back Card | HK$1,200 Cash Rebate | HK$240,000 |
Information updated as of September 2026; for official and up-to-date details, please refer directly to the respective bank or official provider websites.
Which Credit Card has the best welcome offers?
Types of credit card Welcome rewards
Cashback, air miles, coupons and gifts are the most common welcome offers, compare and select your favourite rewards before applying for a new credit card:
Cashback
Cashback credit cards offer a certain percentage of the spending amount back as rewards. Cardholders can earn extra cash rebates as welcome offers upon successful application and designated spending in the first few months.
Air Miles
Credit cards often provide a tremendous air miles welcome offer to travel lovers. Cardholders can get thousands of air miles, including Asia Miles and Avios, upon designated spending and redeem air tickets for free.
Gifts/Vouchers
Some credit cards provide welcome gifts or supermarket vouchers instead of cashback and airmiles, popular choice of welcome gifts include electronic devices and luggages.
How to get welcome promotions from credit cards?
Most credit cards require cardholders to spend a designated amount to earn the welcome offers of your choice, take Citi Cash Back Card as an example, cardholders can earn up to HK$800 Wellcome Cash Coupon upon accumulating spending of HK$10,000 or above within the first 2 months.
Some credit cards have no minimum spending requirement, where cardholders can earn welcome offers with a special rate for eligible transactions within the first few months of card issuance, like Standard Chartered Asia Miles Credit Card, cardholders can earn Asia Miles with conversion rate as low as HK$0.2 = 1 Asia Mile.
Credit Card Welcome Offer
| Credit Card | Card highlights | Promotion | Valid until |
|---|---|---|---|
| HSBC EveryMile Credit Card |
| 🚀 Trip.com Promo Codes + HK$650 Rewards + Up to $1,450 RewardCash | 12 Oct 2026 till 31 Oct 2026 |
| Citi Cash Back Card |
| 優惠代碼 + HK$2,400禮券 或 高達HK$6,488獎賞 | 25 Oct 2026 till 31 Oct 2026 |
| Standard Chartered Simply Cash Visa Card |
| 🎁 Unlimited CashBack + HK$800 Vouchers or Rewards Worth Up to HK$1,499 | 19 Oct 2026 till 31 Oct 2026 |
Content on this page is generated or assisted by AI. While we strive for accuracy, AI can make mistakes. We recommend independently verifying critical information before taking action.
Best Credit Card Welcome Offer Promotions in Hong Kong
Citibank Credit Card
From now until 31 July, successfully apply for Citi PremierMiles Card to enjoy up to 9,000 Miles (108,000 Points), Afternoon tea set for two persons at Mandarin Oriental, HK$800 Wellcome Cash Coupon or HK$700 Sogo Gift Certificate. For successful applicants of Citi Prestige Card, get 20,000 miles upon paying the first year annual fee.
DBS Credit Card
Earn up to 50,000 miles or Rollink Flex Suitcase + 2,000 miles for successful application of DBS Black World Mastercard. DBS COMPASS VISA applicants can enjoy up to HK$400 InstaRedeem amount, LE MAURICE Suitcase or 6 MCL movie ticket vouchers.
Standard Chartered Credit Card
Get up to 40,000 welcome Asia Miles for Standard Chartered Asia Miles Mastercard applications, and up to HK$1,100 cash rebate as a welcome offer for new Standard Chartered Simply Cash Visa Card new cardholders.
American Express Credit Card
American Express Cathay Pacific Elite Credit Card applicants can earn welcome offers up to 76,000 Asia Miles. For successful applicants of American Express Platinum Credit Card, enjoy welcome offers worth up to HK$2,960.
Hang Seng Credit Card
New credit card customers who successfully apply for a Hang Seng MPOWER Card can get up to 8 movie tickets from MCL Cinemas or up to $700 Cash Dollars as a welcome offer.
Wewa Credit Card & EarnMore Unionpay Credit Card Offers
Apply for Wewa UnionPay Credit Card for Jabra Elite Active 65t Wireless Headphones, USA meresoy Massage Gun, HK$500 Cash Rebate or Up to HK$90,000 Interest-Free and Handling Fee-Free Cash Instalment Program as welcome gift.
Besides, upon successful application for EarnMore Credit Card on or before 31 Dec, the new customer can enjoy yHK$670 cash rebate, OTO Back Snuggle, Panasonic Air Purifier or Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program as a welcome gift.
Best Credit Card Promotions Hong Kong
HSBC Credit Card Promotions
Travel promotion
Dining Promotion
Citibank Credit Card Promotion
Travel promotion
Dining Promotion
Dining promotion
DBS Credit Card Promotion
Travel promotion
Shopping promotion
How to Apply and Claim Your Credit Card Welcome Offer
Wondering how to apply for a credit card with a welcome offer? Follow these five steps:
1. Confirm your eligibility
Most welcome offers are only available to new customers. Anyone who has previously applied for the same credit card, or even holds a credit card from the same bank, is usually not eligible, so check whether you are a "new customer" before applying.
| Bank / card issuer | New Customer Definition |
|---|---|
| Standard Chartered | Do not currently hold any Standard Chartered-issued credit card, and have not cancelled any Standard Chartered / MANHATTAN credit card in the 6 months before approval of the current principal card application. |
| Citibank | Do not currently hold any Citi principal credit card issued by Citibank, and have not held or cancelled any Citibank-issued Citi credit card in the 12 months before the month of application for the approved card (except Citi Prestige Card applicants). |
| PrimeCredit (安信) | Have not held any credit card issued by PrimeCredit Limited currently or within the past 6 months. |
| HSBC | Do not hold any HSBC-approved personal credit card principal card at the time the eligible application is processed. |
| Hang Seng | Have not held any personal credit card / co-branded card principal card issued by Hang Seng Bank currently or within the 12 months immediately before the application date (excluding spending cards and privilege cards). |
2. Read the terms and conditions
Welcome offers usually come with a specified spending requirement — for example, spending HK$6,000 or more within 60 days to earn the cash rebate or miles. Check the definition of "eligible spending" so you don't miss out on the best welcome reward.
3. Complete the required spending
You need to complete the specified spending within the deadline. Note that some transactions — such as bill payments, transfers, Octopus top-ups and PayMe top-ups — may not count as eligible spending.
4. Register and redeem your reward
Some credit card welcome offers are credited directly to your account, while others require you to register before or after the fact — for example, by entering your details in an online form or registering a promotion code. If you forget to register, you may not be able to claim the reward.
5. Track your reward
Different banks credit rewards at different times — at the fastest, about 6 weeks, and at the longest, more than 3 months. Check your online banking or mobile app regularly.
Frequently Asked Questions
Can I get my credit card welcome offer right after my application?
- It depends. After applying for credit cards, you need to fulfill the spending requirements to get welcome offers. Take HSBC Red Card as an example, you’ll need to spend $6,000+ in the first 60 days of card issuance, and use RewardCash to pay for credit card statement or transaction via the “Pay with RC” function in Reward+ to get $1,000 RewardCash welcome offer. Credit cards set limits to not only spending amounts but also spending categories. For example, HSBC credit cards don’t count online bill payments and e-wallet transactions as eligible spending. Make sure you’ve read the Terms and Conditions before swiping your credit cards! But there are some credit cards that give you welcome gifts once your application is approved. Standard Chartered Simply Cash Visa Card gives you 25% cashback for local spending in the first 2 months and up to $1,000 cashback without spending requirements.
Are welcome offers for new customers only?
- Generally, yes. Most of the credit cards only prepare welcome offers for new customers, which means that you haven’t held or cancelled credit cards of your designated bank in the past 6-12 months. But some credit cards still give welcome offers to existing customers, but the value of the offer is lower than the new customers. HSBC Visa Signature Card is a good example: they offer up to $800 welcome gifts to new customers, but $400 welcome gifts for existing customers.
Is there anything I need to know while applying for welcome offer credit cards?
- After getting your welcome offer, most of the banks reserve the right to charge you a handling fee and take back your welcome offer without any notice if you cancel their credit cards in 12 months of card issuance.
When will I receive my welcome offer?
- If you fulfil the spending requirement, like BOC credit cards, they’ll credit the welcome offer directly to your credit card account in 4 to 6 weeks. But make sure your account is working, valid and under a good credit. For other banks, they have their own policies so it’s better for you to check the Terms and Conditions.
Do I need to consider anything else apart from welcome offers?
- Yes! Welcome offers are attractive, but it’s still a one-time reward. The basic rebate rate after the introductory period should be one of your considerations. Besides that, you should find out your spending pattern. Say, dining is your main expenses, then you should pick a credit card with the most dining offers. Plus, get to know why you’re applying for a credit card, then pinpoint your expenses to get the most offers like cash back and air miles.
Can I cancel my credit card after receiving the welcome offers?
- It varies from card to card. In general, if a cardholder cancels the card in less than 12 months from the date the card is issued, a fee which is equivalent to the value of the welcome offers/ administration fee will be charged.
Why Choose MoneySmart?
MoneySmart is a trusted one-stop financial and insurance product comparison platform designed to save you time and money.
- Established Brand History: Founded in Singapore in 2009, the MoneySmart Group has evolved into a leading personal finance brand.
- Exclusive Offers from Official Partners: We partner with major banks in Hong Kong (such as Standard Chartered, HSBC, and Citibank), renowned insurance companies (such as Allianz, AXA, Starr, BlueCross and more), and top licensed brokerages to bring you exclusive offers.
- AI-Driven Personalized Recommendations: Through data analysis and smart matching, all users receive financial solutions tailored to their specific goals, rather than one-size-fits-all options.
- Clear Reward Tracking and Redemption Process: Our platform features a standardized reward redemption procedure backed by live customer service support, ensuring eligible users reliably receive their promised rewards.